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Fixed Deposit - Secure Your Future with Guaranteed Returns

A Fixed Deposit (FD) with Bandhan Multi State Co-operative Credit Society Ltd. is a safe and reliable investment option that offers guaranteed returns. It's perfect for those who want to grow their savings with minimal risk while earning attractive interest rates.

Our fixed deposit schemes offer competitive interest rates ranging from 7% to 9% per annum, depending on the tenure you choose. With flexible investment periods from 6 months to 10 years, you can select a plan that aligns with your financial goals. The minimum deposit amount is just ₹5,000, making it accessible to all.

Whether you're saving for retirement, your child's education, or any other long-term goal, our fixed deposit provides the security and growth you need. Join thousands of satisfied investors who trust us for their financial security.

Fixed Deposit


Investment Benefits

Key Features & Benefits

Our fixed deposit scheme comes with attractive features designed to maximize your returns and provide financial security.

Interest Rates: Earn between 7% to 9% per annum based on your chosen tenure. Longer tenures offer higher interest rates, helping your investment grow significantly over time.

Flexible Tenure: Choose from multiple tenure options ranging from 6 months to 10 years. Select the period that best suits your financial planning and goals.

Loan Facility: Get a loan of up to 80% of your FD value in case of emergency, without breaking your deposit. This ensures liquidity while your investment continues to grow.



Why choose our Fixed Deposit?

  • High Interest Rates: Earn 7% to 9% p.a. interest, significantly higher than regular savings accounts, maximizing your returns.
  • Guaranteed Returns: Your returns are fixed and guaranteed at the time of investment, providing complete financial certainty.
  • Flexible Tenure Options: Choose from 6 months to 10 years tenure based on your financial goals and liquidity needs.
  • Low Minimum Investment: Start investing with just ₹5,000, making it accessible to everyone.
  • Loan Against FD: Avail loans up to 80% of your FD value without breaking the deposit, ensuring emergency liquidity.
  • Premature Withdrawal: Option to withdraw before maturity with applicable charges, providing flexibility when needed.
  • Auto-Renewal Option: Set up automatic renewal of your FD upon maturity for hassle-free reinvestment.
  • Tax Benefits: Enjoy tax benefits under applicable sections of the Income Tax Act on eligible deposits.
  • Senior Citizen Benefits: Special interest rates for senior citizens, offering additional returns on their investments.

Common Questions

The minimum amount required to open a Fixed Deposit is ₹5,000. There is no maximum limit, allowing you to invest as much as you want.

Interest rates range from 7% to 9% per annum depending on the tenure. Longer tenures offer higher rates. Senior citizens receive an additional 0.5% interest.

Yes, premature withdrawal is allowed with a penalty of 1% on the applicable interest rate. However, we recommend completing the full tenure for maximum returns.